This coverage provides reimbursement for your pre-paid trip costs when an unforeseen schedule conflict (like a school year extension, jury duty, or a summons to appear in court) causes you to have to cancel a covered trip. This is a listed covered reason under trip cancellation coverage and trip interruption coverage.
Contents (click to jump down) What does Schedule Conflict cover? Important notes about this coverage What type of policy covers this? How much coverage does each company provide? Summary |
Let us tell you a story
Judith and her daughter, Ellie, planned to escape the harsh northeastern winters and spend a month in Florida after the summer school break started. Judith purchased a travel insurance package plan with cancellation coverage for school year extensions just in case.
That spring, they had numerous snow storms and endless school closures that caused the school year to extend a few weeks into the summer break. Judith took the school notice of the extension and sent it in with her claim. She was able to cancel their trip and received a full refund for her pre-paid trip costs. They could reschedule their visit when they knew what the school break dates would be.
What does Schedule Conflict cover?
As part of the covered reasons for pre-trip cancellation, schedule conflicts such as being called into jury duty, being subpoenaed and required to report to court, or school year extensions that result in you having to cancel your covered trip may qualify for reimbursement (up to the policy limit).
Important notes about this coverage
- School extensions due to extra-curricular or athletic events are typically not covered
- Jury duty and court summons must be received prior to your travel insurance plan’s effective date
- Being called to appear in court (subpoenaed) is covered as long as you are not a party in the legal action or a law enforcement officer associated with the case.
What type of policy covers this?
This is a covered reason for trip cancellations, and as such, it is found in travel insurance package plans with trip cancellation coverage.
How much coverage does each company provide?
Plan | Company | Jury Duty | Court Summons | School Extension |
---|---|---|---|---|
Basic | Allianz | Yes | Yes | No |
Classic | Allianz | Yes | Yes | No |
Deluxe | Allianz | Yes | Yes | No |
Drive Protection | Allianz | Yes | Yes | No |
Business Traveler (annual) | Allianz | Yes | Yes | No |
Annual Travel | Allianz | Yes | Yes | No |
Custom | CSA | Yes | Yes | Yes |
Custom Luxe | CSA | Yes | Yes | Yes |
Group Go | CSA | Yes | Yes | No |
None | FrontierMEDEX | |||
Essentials | Global Alert | Yes | Yes | No |
Preferred | Global Alert | Yes | Yes | No |
Preferred Plus | Global Alert | Yes | Yes | No |
Trip Protect e-Saver | HTH Worldwide | Yes | Yes | No |
Trip Protector Lite Expanded | HTH Worldwide | Yes | Yes | No |
Patriot T.R.I.P. | IMG | Yes | No | No |
Patriot T.R.I.P. Elite | IMG | Yes | No | No |
Patriot T.R.I.P. Student | IMG | Yes | No | No |
Asset | MH Ross | Yes | Yes | No |
Bridge | MH Ross | Yes | Yes | No |
Complete | MH Ross | Yes | Yes | No |
RoundTrip | Seven Corners | Yes | Yes | No |
RoundTrip Choice | Seven Corners | Yes | Yes | No |
RoundTrip Economy | Seven Corners | Yes | Yes | No |
RoundTrip Elite | Seven Corners | Yes | Yes | No |
Platinum | Travel Guard | Yes | Yes | No |
Gold | Travel Guard | Yes | Yes | No |
Silver | Travel Guard | Yes | Yes | No |
My TravelGuard | Travel Guard | Yes | Yes | No |
Savvy Traveler | Travel Guard | Yes | Yes | No |
Basic | Travel Guard | Yes | Yes | No |
Tee, Tour, and Travel | Travel Guard | Yes | Yes | No |
Sportsman's Travel | Travel Guard | Yes | Yes | No |
Adventure Travel | Travel Guard | Yes | Yes | No |
Elite | Travel Insurance Services | Yes | Yes | No |
Plus | Travel Insurance Services | Yes | Yes | No |
Basic | Travel Insurance Services | Yes | Yes | No |
Worldwide Trip Protector Gold | Travel Insured | Yes | Yes | Yes |
Worldwide Trip Protector | Travel Insured | Yes | Yes | Yes |
Trip Protector Lite Expanded | Travel Insured | Yes | Yes | Yes |
Airline Ticket Protector | Travel Insured | Yes | Yes | No |
Basic | Travelex | Yes | Yes | No |
Travel Select | Travelex | Yes | Yes | No |
Travel Max | Travelex | Yes | Yes | No |
TraveLite | Travelex | Yes | Yes | No |
Travel Plus | Travelex | Yes | Yes | No |
Vacation Classic | TravelSafe | Yes | Yes | No |
Protect-a-Group | TravelSafe | Yes | Yes | No |
Summary
- Not all travel insurance plans have coverage for every schedule conflict, so carefully review your plan’s covered reasons
- This coverage is not applicable for extensions due to extra curricular activities
- You’ll need documentation from the school or court to make a successful claim